Consumer Financing

It’s simple……More approvals, ease of use platform, low discount rates, one application, full reporting, analytics, etc. You no longer need 2, 3, or even 4 financing programs to satisfy every type of customer that walks into your business. Submit every application into Next-Financing’s Consumer Financing Platform, sit back, and watch your approval rates soar. Because we have multiple lending partners integrated into one easy to use platform, obtaining financing for customers with great credit to no credit has never been easier. With discount fees between 5-7% that you can add to the cost as a "Finance Fee" you can easily make this a free service for your business to use. Our interest rates and terms to your customers are 100% fixed, giving your customers a consistent, fixed monthly payment. Interest rates start at 5.99% with no prepayment penalties. Businesses of all types can offer financing to those who qualify. 6 & 12 Month Interest Free Promotions are available for specific financing programs. Please ask about including those programs during our set-up/configuration process.

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Seamless Technology Providing Seamless Approvals:

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• 1 fast, easy application for all borrowers.

• Instant approvals – 30 seconds or less.

• Approvals down to a 300 credit score.

• Direct funding to business checking account within 24-48 hours.

• No set-up fees, monthly fees, annual fees, statement fees or monthly minimums.

• No equipment to buy or lease.

• 99% paperless.

• Detailed reporting back office with analytics, tracking and customer profile database.

• Works on any device – connection to internet is required.

• Customers can apply privately from their phone or from the comfort of their home.

• Email or Text application to your customer for pre-approval.

• Website application buttons, banners and widgets are included.

• Customized websites with built in financing and payment solutions are available.

• We welcome businesses of all types.  To get started, we don’t have minimum qualifications like credit score, time in business and monthly revenue.  We want to help business grow their sales revenue month over month – we don’t want to make you qualify for the financing tools that will actually help you achieve that growth.

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Consumer Financing: How It Works For Merchants

• Our multi-lender financing platform covers the entire spectrum of credit from prime to subprime. The only time you pay a fee is when the lender successfully finances the customer purchase.

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•  Your customer completes a simple application – from their phone or any device with internet access.  Your application can be branded with your logo for further customization.

•  If approved, they’ll instantly receive financing options for their purchase.

•  Merchant will be notified to create a purchase order from your merchant dashboard – located in your back office portal.

•  Customer verifies the purchase order and the lender completes the transaction, depositing the funds directly into merchant’s bank account.

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Consumer Financing: How It Works For Consumers

•  Merchant provides customer the Merchant ID of your business.

•  Customer complete a simple one page application & get instantly matched with financing options to purchase your product or service.

•  The customer selects the financing option that works best for them and complete the process.

•  The customer verifies & approves the details of their purchase and the lender takes care of the rest – completing their purchase with your business.